Free Tool
DSCR Calculator
Enter your rental property's income and loan terms to instantly see your Debt-Service-Coverage Ratio, full monthly payment, and projected cash flow.
Property & Loan Details
Adjust the numbers — your DSCR updates instantly.
Your DSCR
1.14
0.751.001.25+
Qualifying
The property pays for itself. Most DSCR programs approve at or above 1.00.
Principal & Interest$2,047
Taxes + Insurance + HOA$420
Total Payment (PITIA)$2,467
Estimated Monthly Cash Flow$333
Next Step
Confirm the loan scenario
This deal appears to cover its payment. A few details like purchase versus refinance, leverage, and property type determine the strongest DSCR path.
How it's calculated: Monthly principal & interest is amortized from your loan amount, rate, and term, then added to taxes, insurance, and HOA to form the total payment (PITIA). Your DSCR is gross monthly rent divided by that payment. See the full breakdown